Home Insurance with Prosura
Not only is your house likely to be your most expensive asset, but it’s your home. A place of sanctuary containing your most treasured possessions.
For incomparable service, and friction free access to high quality cover from the UK’s leading insurers, trust Prosura with your home insurance. Our brokers will work with you to establish the right levels of appropriate cover for your home.
Whether you need standard home and contents insurance, or insurance for a holiday home, second home, listed building, high value property, or anything in between, we’ll make sure you’re fully protected with bespoke cover that perfectly matches your requirements.
Cover as unique as your home
No two properties are the same. Location, build materials, fixtures, fittings and furnishings all add up to making your home unique. Whether you need to protect your main residence or need insurance for your holiday home that you also let out seasonally, we’ll take time to understand your needs. With access to a range of products from a number of leading insurers, we’ll be able to provide you with policy options and even recommend cover where appropriate.
Home Insurance explained
Home Insurance is often viewed as a necessary evil – something you just need to have in place. It works to protect your property inside and out, depending on the type of cover you need.
Buildings insurance covers the cost of repairing damage to your property’s structure and permanent fixtures and fittings if they were damaged by events such as fire, storm, or flood, for example.
Contents insurance helps to cover the cost of replacing your belongings if they were damaged or stolen. Contents insurance includes all the items you’d take with you if you were to move home, such as personal possessions, furniture, electricals, and jewellery.
A comprehensive home insurance policy includes both buildings and contents insurance.
In the UK it’s estimated that as much as 80% of residential properties are inadequately insured. That means that should an otherwise insured event occur, the insurer may only pay out a portion of the claims value – or not at all. At Prosura, we offer friction free access to policies from leading UK insurers. We’re professional brokers – so will take time to understand your needs and ensure you’ve got the right cover in place.
Why do you need Home Insurance?
If you own your property outright, it’s likely to be one of your most valuable assets, and it makes sense to protect it against foreseeable events. If you have a mortgage, it’s likely to be a condition of your provider that you have adequate cover in place.
Home insurance provides a safety net, protecting your home and its contents should the worst happen. For example, if storm damaged the roof of your property, the integrity of your home could be compromised, and it’d likely be a costly fix without insurance.
Similarly, if you suffered a break in at your home, could you afford to replace the stolen items yourself? Fire or flood damage can sadly gut a building. The right insurance can offer tremendous peace of mind.
Home insurance can’t replace everything; a stolen family heirloom or favourite piece of artwork. But it can provide financial compensation. Similarly, a policy can be designed that at least makes life more comfortable where something does go wrong – for example by covering costs of temporary alternative accommodation where your property is damaged by fire or flood.
Why choose Prosura to arrange your home insurance?
There are so many different types of home insurance cover to choose from depending on your needs. So whether you own a brand new eco-home or a 16th century listed property, we’ll find the best cover for you.
Getting the right advice with a friction free service is what we’re all about. As a broker, it’s our job to get to grips with your requirements and finding the most suitable insurer for your needs. We’ll read the small print so you don’t have to!
What does Home Insurance include?
Our home insurance brokers work with a selection of top quality insurers to provide tailored products to suit your needs.
Typically, buildings insurance will cover the building sum insured, loss of rent (if you’re a landlord), replacement locks, emergency access, public liability (if required), and cover for tracing and accessing leaks.
Contents insurance will cover the contents sum insured, single (valuable) items, and items such as money, electricals, contents in your garden, and freezer food.
These lists are not exhaustive. Our brokers will listen to your requirements and will create a bespoke policy to match your exact needs.
What else do I need to consider with Home Insurance?
There are a number of optional extras that can be included on your home insurance policy to ensure you receive the right level of cover.
Some of the optional extras include:
- Legal expenses
- Accidental damage cover
- Extra personal belongings cover when away from home
- Protected no claim discount
Why choose Prosura to buy your home insurance policy?
Prosura prides itself on being an independent insurance broker, with access to a broad range of insurers to curate a tailored product that’ll exceed your expectations.
High-quality home insurance cover backed up with years of experience and in-depth industry knowledge, delivered to you in a simple, jargon-free way.
To get your bespoke home insurance in place, please don’t hesitate to contact the team at Prosura today.
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